Payment methods in Egypt

The market

Egypt shops online, but many payers have no card: the order gets a Fawry code and is paid in cash at a shop, a kiosk or in the Fawry app, and the merchant learns about it when the cash is in. Fawry, founded in 2008, carries about 25% of online payments by value (Fawry investor relations, 2025). Vodafone Cash, the mobile wallet of the largest operator, is the second local method: the payer confirms in the wallet, the provider gets an instant confirmation, and the same wallet takes payouts. Visa and Mastercard serve the banked part of the market and the foreign shoppers. The CBE licenses wallet and payment providers and sets the rules for mobile money.

How Tranzify clients launch

A client enables the Egyptian providers from the catalogue — Paymob for Fawry and Vodafone Cash, Fawry for its own network, PlatCore for Fawry and Vodafone Cash with payouts — under its own contracts and licence; cards go through an acquirer the client adds from the catalogue. The checkout offers a card form to the banked, Vodafone Cash to wallet payers and a Fawry code for cash; routing by method sends each to its provider, and a card decline cascades to Fawry or the wallet. A Fawry confirmation arrives when the cash is paid, so the orchestration keeps the order open until then. Every payment is journaled for five years, and the final status reaches the client’s system by webhook. Egypt is live in the catalogue.

Fawry and Vodafone Cash

Fawry is cash: the code has a validity window, the payment is final when it is paid, and there are no chargebacks and no refunds through the network. Vodafone Cash is instant both ways, so it is the rail for withdrawals to Egyptian payers through Paymob or PlatCore, whose catalogue entries carry payout operations.